InvoiceMate, the Deloitte Future 100 company, will tokenize its AI-validated SME credit portfolio on ZIGChain, bringing institutional-grade private credit opportunities to over one million users in the Layer 1 blockchain’s ecosystem. The integration marks a significant expansion for ZIGChain’s real-world asset infrastructure, demonstrating how established fintech companies can leverage blockchain to democratize access to the $5.2 trillion global SME financing gap.
Through its proprietary “Know Your Invoice” AI protocol that validates invoices in minutes rather than weeks, InvoiceMate will tokenize verified SME credit as liquid digital assets via its DeFa protocol on ZIGChain.
Over the past three years, this technology has underwritten $500 million in financing to SMEs with a less than one percent delinquency rate and is now going to be available to retail investors. This collaboration, supported by strategic investment from ZIGLabs and partnership with Disrupt.com, showcases ZIGChain’s ability to attract proven business models that bring real utility and value to blockchain technology.
According to MSME finance data, 70 percent of formal MSMEs lack adequate financing to thrive and grow, creating a $5.2 trillion gap. By building on ZIGChain, InvoiceMate transforms what was previously an exclusive institutional market—valued at $16 billion according to RWA.xyz and HTX Ventures—into accessible opportunities for everyday investors globally, creating a new and equitable model for SME financing
The platform is expected to launch in early 2026 and be available to global investors exclusively on ZIGChain.
“This integration demonstrates exactly why we built ZIGChain as a purpose-built Layer 1 for wealth generation,” said Abdul Rafay Gadit, Co-Founder of ZIGChain and Managing Partner at ZIGLabs. “InvoiceMate brings proven AI technology and a successful history of running a diverse loan tape to our ecosystem. This is the type of real-world utility that drives blockchain adoption—verified SME credit opportunities becoming accessible to our users while supporting business owners globally.”
“This is how category-defining ventures are created,” said Aaqib Gadit, Founding Partner and Co-Founder at Disrupt.com. “InvoiceMate has built a tested and proven proprietary AI protocol, validating invoices in minutes rather than weeks. Our work with InvoiceMate is set to capture a significant share of this sector as it heads towards three trillion USD in value by 2028. This allows us to support SMEs across the world and unlock trillions of trapped SME potential. ”
“Banks face a structural limit in SME financing because traditional verification does not scale,” said Ibrahim Salman, Co-Founder of InvoiceMate. “Our AI native capabilities confirm invoice authenticity in minutes and at a fraction of the cost. A Dubai electronics retailer that waits 90 days for hotel payment can receive 85 percent of the invoice value within two days through InvoiceMate. Now, with ZIGChain’s distribution and support from Disrupt, we can also give ordinary people the opportunity to participate in the same credit opportunities as major institutions.”